CROSSROADS VOLUNTEER FIRE DEPARTMENT INC (EIN 611098731) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1985

Legal Domicile

Principal Officer

GERALD KERLER

Phone

8596382777

Tax Period

2025-01-01 to 2025-12-31

CROSSROADS VOLUNTEER FIRE DEPARTMENT INC, founded in 1985, is a micro nonprofit in the Public Safety sector that reported $73K in total revenue in fiscal year 2025. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $85K exceeded revenue, resulting in a 17% operating deficit.

Mission

VOLUNTEER FIRE DEPARTMENT

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $72,655

Program Service Revenue $0

Investment Income $18

Other Revenue $0

TOTAL REVENUE $72,673

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $75,651

Other Expenses $84,919

TOTAL EXPENSES $84,919

Year-over-Year Comparison

	2025	2024	Change
Revenue	$72,673	$109,293	-0.3%
Expenses	$84,919	$93,408	-0.1%
Net Income	$-12,246	$15,885	-1.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GERALD KERLER	PRESIDENT	N/A	Officer	$0	$0	$0
JERRY KERLER	TREASURER	N/A	Officer	$0	$0	$0
GARY WOODS	VICE PRESIDE	N/A	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$72,673	$84,919	$483,897	$-12,246
2024	$109,293	$93,408	$496,143	$15,885
2023	$173,809	$75,505	$585,549	$98,304
2022	$73,390	$86,126	$487,245	$-12,736
2021	$219,161	$68,403	$499,981	$150,758
2020	$60,578	$50,473	$349,223	$10,105
2019	$59,710	$56,663	$339,118	$3,047
2018	$66,046	$71,553	$320,545	$-5,507

CROSSROADS VOLUNTEER FIRE DEPARTMENT INC